Capital One Quicksilver Cash Rewards Credit Card Review With Pro And Cons – 20 Points

1. With $150 sign up bonus and unlimited 1.5 % cash back on every purchase and easy redemption make this card winner.

Pros:



Cons:

No annual fee or foreign transaction fee

Other cards have longer 0% periods

The highest pure and straightforward cash back percentage among credit cards of 1.5%

Some other cash back credit cards offer bigger sign-up bonuses

Intro APR period on Purchases and Balance Transfers

Need excellent credit

Offers a one-time cash bonus of $150

No bonus rewards categories

 

Charges a 3% balance transfer fee

 

Potentially high APR

2. Sign up Bonus:

$150 after spending $500 in first 3 months

3. Reward Rate:

Earn unlimited 1.5% cash back on every purchase, every day

4. Intro Apr:

0 % intro apr for purchase and balance transfer for 15 months

5. Regular Apr:

16.24%-26.24% variable

6. Annual Fee:

$0

7. Foreign Transaction Fee:

$0

8. Other Benefits:

24-hour travel assistance
Auto rental collision damage waiver
Travel accident insurance
Extended warranty
Premier access
CreditWise

9. Balance Transfer Fee

3%

10. Cash Advance Fee

3% Min $10

11. Customer Experience:

24/7 customer service:
Yes
Online chat available:
Yes
Google Play Store mobile app rating:
4.7/5
Apple Store mobile app rating:
4.6/5

12. Credit Needed:

690 – 850 Good to Excellent

13. There is no limit on how much cash rewards you can earn. Cash back wont expired. No rotating categories or sign up needed to earn rewards.

14. Foreign Transaction Fee:

None

15. Penalty APR:

None

16. Capital One Quicksilver card is good for:

People who prefer flat rate card.
People who want to take advantage of 0% intro apr on purchase and balance transfer.
People who want card without annual fee and foreign transaction fee.

17. This card is not for you:

If you want to maximize rewards.
If you are big spender and able to qualify for bigger sign up bonus.

18. Quicksilver is one of the best card with combination of high flat rate rewards, sign up bonus, 0% intro apr, low fee and simple redemption.

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